vs
Assurant（AIZ）与哈特福德（HIG）财务数据对比。点击上方公司名可切换其他公司
哈特福德的季度营收约是Assurant的1.2倍（$4.1B vs $3.4B），哈特福德净利率更高（13.2% vs 6.7%，领先6.4%），Assurant同比增速更快（7.9% vs -43.7%），过去两年Assurant的营收复合增速更高（7.9% vs -20.8%）
Assurant Inc.是总部位于美国亚特兰大的全球化风险管理产品及服务供应商，旗下业务覆盖财产意外险、电子设备延保、预售丧葬险等多个细分领域的特色保险产品，核心运营板块分为全球住房业务和全球生活方式业务两大板块。
哈特福德（The Hartford）是美国头部保险企业，位列2024年《财富》世界500强第162位，总部位于康涅狄格州哈特福德市。集团拥有200余年行业经验，在财产意外险、员工福利及共同基金领域处于领先地位，凭借优质服务、可持续运营与诚信经营广受认可。
AIZ vs HIG — 直观对比
营收规模更大
HIG
是对方的1.2倍
$3.4B
营收增速更快
AIZ
高出51.6%
-43.7%
净利率更高
HIG
高出6.4%
6.7%
两年增速更快
AIZ
近两年复合增速
-20.8%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $3.4B | $4.1B |
| 净利润 | $225.2M | $536.0M |
| 毛利率 | — | — |
| 营业利润率 | 8.5% | — |
| 净利率 | 6.7% | 13.2% |
| 营收同比 | 7.9% | -43.7% |
| 净利润同比 | 11.9% | 12.0% |
| 每股收益（稀释后） | $4.37 | — |
绿色 = 该指标领先。财年不对齐时期间可能不同
8季度营收与利润趋势
并排季度历史对比，按日历期对齐，财年错位的公司也能正确匹配
营收AIZHIG
| Q1 26 | — | $4.1B | ||
| Q4 25 | $3.4B | $7.3B | ||
| Q3 25 | $3.2B | $7.2B | ||
| Q2 25 | $3.2B | $7.0B | ||
| Q1 25 | $3.1B | $6.8B | ||
| Q4 24 | $3.1B | $6.9B | ||
| Q3 24 | $3.0B | $6.8B | ||
| Q2 24 | $2.9B | $6.5B |
净利润AIZHIG
| Q1 26 | — | $536.0M | ||
| Q4 25 | $225.2M | — | ||
| Q3 25 | $265.6M | $1.1B | ||
| Q2 25 | $235.3M | $995.0M | ||
| Q1 25 | $146.6M | $630.0M | ||
| Q4 24 | $201.3M | — | ||
| Q3 24 | $133.8M | $767.0M | ||
| Q2 24 | $188.7M | $738.0M |
营业利润率AIZHIG
| Q1 26 | — | — | ||
| Q4 25 | 8.5% | 19.3% | ||
| Q3 25 | 10.2% | 18.2% | ||
| Q2 25 | 9.2% | 17.8% | ||
| Q1 25 | 6.0% | 11.5% | ||
| Q4 24 | 8.1% | 15.6% | ||
| Q3 24 | 5.1% | 14.1% | ||
| Q2 24 | 8.0% | 14.1% |
净利率AIZHIG
| Q1 26 | — | 13.2% | ||
| Q4 25 | 6.7% | — | ||
| Q3 25 | 8.2% | 14.9% | ||
| Q2 25 | 7.4% | 14.2% | ||
| Q1 25 | 4.8% | 9.3% | ||
| Q4 24 | 6.5% | — | ||
| Q3 24 | 4.5% | 11.4% | ||
| Q2 24 | 6.5% | 11.4% |
每股收益（稀释后）AIZHIG
| Q1 26 | — | — | ||
| Q4 25 | $4.37 | $3.96 | ||
| Q3 25 | $5.17 | $3.77 | ||
| Q2 25 | $4.56 | $3.44 | ||
| Q1 25 | $2.83 | $2.15 | ||
| Q4 24 | $3.86 | $2.88 | ||
| Q3 24 | $2.55 | $2.56 | ||
| Q2 24 | $3.58 | $2.44 |
资产负债表与财务实力
最新季度各公司的流动性、杠杆与账面价值一览
| 指标 | | |
|---|---|---|
| 现金及短期投资手头流动性 | $1.8B | $1.7M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $5.9B | $16.8M |
| 总资产 | $36.3B | $86.3M |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
现金及短期投资AIZHIG
| Q1 26 | — | $1.7M | ||
| Q4 25 | $1.8B | — | ||
| Q3 25 | $1.7B | — | ||
| Q2 25 | $1.5B | — | ||
| Q1 25 | $1.7B | — | ||
| Q4 24 | $1.8B | — | ||
| Q3 24 | $1.8B | — | ||
| Q2 24 | $1.7B | — |
总债务AIZHIG
| Q1 26 | — | — | ||
| Q4 25 | — | $4.4B | ||
| Q3 25 | — | $4.4B | ||
| Q2 25 | — | $4.4B | ||
| Q1 25 | — | $4.4B | ||
| Q4 24 | — | $4.4B | ||
| Q3 24 | — | $4.4B | ||
| Q2 24 | — | $4.4B |
股东权益AIZHIG
| Q1 26 | — | $16.8M | ||
| Q4 25 | $5.9B | $19.0B | ||
| Q3 25 | $5.8B | $18.4B | ||
| Q2 25 | $5.5B | $17.5B | ||
| Q1 25 | $5.2B | $16.8B | ||
| Q4 24 | $5.1B | $16.4B | ||
| Q3 24 | $5.3B | $17.0B | ||
| Q2 24 | $5.0B | $15.7B |
总资产AIZHIG
| Q1 26 | — | $86.3M | ||
| Q4 25 | $36.3B | $86.0B | ||
| Q3 25 | $35.8B | $85.0B | ||
| Q2 25 | $35.5B | $83.6B | ||
| Q1 25 | $35.0B | $82.3B | ||
| Q4 24 | $35.0B | $80.9B | ||
| Q3 24 | $35.3B | $81.2B | ||
| Q2 24 | $33.8B | $79.0B |
负债/权益比AIZHIG
| Q1 26 | — | — | ||
| Q4 25 | — | 0.23× | ||
| Q3 25 | — | 0.24× | ||
| Q2 25 | — | 0.25× | ||
| Q1 25 | — | 0.26× | ||
| Q4 24 | — | 0.27× | ||
| Q3 24 | — | 0.26× | ||
| Q2 24 | — | 0.28× |
现金流与资本效率
扣除再投资后实际产生的现金。现金流比净利润更难造假
| 指标 | | |
|---|---|---|
| 经营现金流最新季度 | $671.0M | — |
| 自由现金流经营现金流 - 资本支出 | $611.7M | — |
| 自由现金流率自由现金流/营收 | 18.3% | — |
| 资本支出强度资本支出/营收 | 1.8% | — |
| 现金转化率经营现金流/净利润 | 2.98× | — |
| 过去12个月自由现金流最近4个季度 | $1.6B | — |
8季度趋势，按日历期对齐
经营现金流AIZHIG
| Q1 26 | — | — | ||
| Q4 25 | $671.0M | $5.9B | ||
| Q3 25 | $505.0M | $1.8B | ||
| Q2 25 | $265.5M | $1.3B | ||
| Q1 25 | $392.4M | $985.0M | ||
| Q4 24 | $102.8M | $5.9B | ||
| Q3 24 | $436.5M | $1.7B | ||
| Q2 24 | $710.9M | $1.3B |
自由现金流AIZHIG
| Q1 26 | — | — | ||
| Q4 25 | $611.7M | $5.8B | ||
| Q3 25 | $442.1M | $1.8B | ||
| Q2 25 | $205.6M | $1.3B | ||
| Q1 25 | $339.0M | $947.0M | ||
| Q4 24 | $34.8M | $5.8B | ||
| Q3 24 | $389.4M | $1.6B | ||
| Q2 24 | $655.5M | $1.2B |
自由现金流率AIZHIG
| Q1 26 | — | — | ||
| Q4 25 | 18.3% | 78.4% | ||
| Q3 25 | 13.7% | 24.8% | ||
| Q2 25 | 6.5% | 17.9% | ||
| Q1 25 | 11.0% | 13.9% | ||
| Q4 24 | 1.1% | 83.8% | ||
| Q3 24 | 13.1% | 24.0% | ||
| Q2 24 | 22.4% | 18.5% |
资本支出强度AIZHIG
| Q1 26 | — | — | ||
| Q4 25 | 1.8% | 2.3% | ||
| Q3 25 | 1.9% | 0.6% | ||
| Q2 25 | 1.9% | 0.6% | ||
| Q1 25 | 1.7% | 0.6% | ||
| Q4 24 | 2.2% | 2.1% | ||
| Q3 24 | 1.6% | 0.9% | ||
| Q2 24 | 1.9% | 0.9% |
现金转化率AIZHIG
| Q1 26 | — | — | ||
| Q4 25 | 2.98× | — | ||
| Q3 25 | 1.90× | 1.70× | ||
| Q2 25 | 1.13× | 1.30× | ||
| Q1 25 | 2.68× | 1.56× | ||
| Q4 24 | 0.51× | — | ||
| Q3 24 | 3.26× | 2.19× | ||
| Q2 24 | 3.77× | 1.71× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
业务分部营收拆解
AIZ
| Global Lifestyle | $2.6B | 78% |
| Global Housing | $749.1M | 22% |
| Service Contracts And Sales | $34.5M | 1% |
HIG
| Earned premiums | $3.6B | 88% |
| Other | $486.0M | 12% |
| Fee income | $12.0M | 0% |
